If you are receiving unsolicited phone calls from an entity pretending to be ACCC (a trusted non-profit credit counseling agency), please be assured that ACCC’s policy is NEVER to contact you unless you’ve explicitly requested us to call you. Also be cautious of emails from an unusual or unfamiliar domain. ACCC’s domain extension is @consumercredit.com, and any emails using a different extension should be treated with suspicion.


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ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

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Tuesday Tip: Pull Your Credit Report

To start the year off right financially, there’s one simple task that makes every future personal finance move easier: pulling your credit report. Taking a few minutes to access and examine your report can save you from headaches later on and helps guide debt management efforts in the right direction.

Our debt counselors advise checking your credit report.

Our debt counselors advise checking your credit report.

The Five W’s & One H of Your Credit Report

Who needs to check their report? 

  • Everyone! Every consumer has something to gain from seeing and evaluating their report.

What info does a credit report contain? 

  • Your report contains a complete listing of your accounts and balances, credit inquiries, notations, and additional information.

Why should consumers check their report? 

  • Credit information provides individuals with the tools to protect themselves and make better financial decisions. It is especially helpful for identity theft prevention, credit card debt negotiation, and timing loan applications.

Where can consumers get their report? 

  • Obtain a copy of your report by visiting AnnualCreditReport.com. You can also see your report and credit score by using a free service like Credit Karma.

When should reports be pulled? 

  • Consumers are legally entitled to one report per year from each of the three main credit bureaus. As such, you can request one of your reports periodically throughout the year or just before making important financial decisions.

How can consumers understand the info on their credit reports? 

  • These documents contain many types of information, and as a result, they’re very complex. You can watch this brief video for more information:

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today.


Andi is a Marketing Assistant at ACCC. He is passionate about supporting financial literacy efforts and helping to educate people on the Talking Cents blog!

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